Retirement

Retirement planning tips, tools and resources to help you plan for your golden years

“In addition to offering you the ability to trade during regular market hours, you can trade before and after hours sessions from 8:00 a.m. - 9:28 a.m. and from 4:00 p.m. to 7:30 p.m. ET, Monday - Friday.”

Muriel Siebert & Co., Inc.
Serving Investors for 50 Years

Retirement Account Types

Our retirement plans are self-directed, allowing you to invest in mutual funds, stocks, bonds and other investments through one consolidated account. With our money market funds, your cash is never idle, even when switching investments.

To open a retirement account, please call 800-872-0444, 8:00 a.m. - 6:00 p.m. ET, Monday-Friday, and a New Accounts representative will be happy to help you.

Individual Retirement Account (IRA)
An IRA is a special type of a tax-deferred account created by Congress to help individuals save money for retirement. The maximum contribution is the lesser of $5,500 or 100% of compensation for 2016-2017. Individuals 50 or older at the end of the taxable year may make an additional annual "catch-up" contribution of $1,000 for a maximum contribution of $6,500.

Roth-IRA
Contributions to a Roth IRA are not tax-deductible. Instead, qualified distributions from the account are tax-free. A distribution is qualified and tax-free if certain criteria are met. Maximum contribution is the lesser of $5,500 or 100% of total compensation for the year, if your compensation was less than this dollar limit. Individuals 50 or older at the end of the taxable year may make an additional annual "catch-up" contribution of $1,000 for a maximum contribution of $6,500.

SEP-IRA
A SEP-IRA account is for business owners seeking a simple, low cost retirement plan. Employers can set aside money in retirement accounts for themselves and their employees. A SEP does not have the start-up and operating costs of a conventional retirement plan and allows for a contribution of up to 25 percent of each employee's pay.

Simple
A Simple plan is for a business with 25 or fewer employees that does not currently contribute to a retirement plan. Simples allow a business to establish a 401(K) type employee savings plan without the administrative costs and complexities typically associated.

Money Purchase Pension Plans
A Money Purchase Pension Plan (Keogh) is appropriate for employers who want contribution flexibility. Money purchase plans have required contributions. The employer is required to make a contribution to the plan each year for the plan participants.The plan is available to sole proprietors, partnerships, corporations, "S" corporations, and nonprofit organizations. The maximum employer contribution is lesser of 25% of compensation or $54,000 (for 2017; $53,000 for 2015 and 2016, subject to cost-of-living adjustments).

Profit Sharing Plans
A Profit Sharing Plan is designed for employers who want contribution flexibility. The plan is available to sole proprietors, partnerships, corporations, "S" corporations, and nonprofit organizations. The maximum employer contribution is the lesser of 25% of compensation or $54,000 for 2017 ($53,000 for 2015 and 2016, subject to cost-of-living adjustments for later years).

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